#not financial advice
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Easy 7-step plan to getting rich:
1. Come out as trans and start taking HRT.
2. Apply for Survivor. Play up how your performance in challenges would cause drama, since if you're weak you'll be a failure to men and if you're strong you'll be cheating women out of a deserved win. (Note: Big Brother and other similarly cheesy reality TV shows also work if you're not comfortable showing your chest)
3. Wait for [Reality Show] to inevitably accept you. They'll eat it up, loving the idea of showing liberals they're diverse while getting conservatives to hate-watch/watch to see how bad trans people are at being their desired gender.
4. Once you're there, play hard. Try to win challenges, especially endurance- or intelligence-based ones, since people can't make a negative view for you on those one way or the other. Don't be afraid to point out to more accepting players how sad it would be if you went first, and how it would show how backwards society really is.
5. When you're in the final 9 since nobody felt comfortable voting against you and seeming bigoted on national TV, start fully being yourself. Create alliances, make friends, and show the audience that you're more than just a trans person: you're a person.
6. You're in the final two. Great. Now it's time to remind everyone how hard your journey was. Talk about how the right-wing stereotype of the season said you'd never be a [desired gender]. But don't push it too hard. Talk about your actual merits, and explain your strategy. Finally, remind everyone how amazing it would be if a trans person won [Reality Show], because it would mean that everyone has a chance at success.
7. Win. Or don't win, that's okay too. Either way, you'll walk away from it all with money, fame, and countless brands wanting to pay you to promote their product. You broke boundaries, and showed millions of young queer people, some of whom have disapproving families that would never give them the resources to discover themselves otherwise. You're a hero, an icon, and most importantly to a capitalist society, you're rich.
I am currently stuck on the first step of this process.
#trans#transgender#transfem#text#long#not financial advice#lgbtq#lgbtqia#lgbtq community#survivor#pride#reality tv#anti capitalist#capitalism#humor#writing
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$WIF from now on this is a meme coin account NFA
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In which I promote a totally not made-up cryptocurrency. No CODs, not available in Nebraska.
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Everybody is talking about ai, NFTs and OpenSea and other app platforms but failed to mention the newest addition to the crypto community. Imagine a browser that pays you bitcoins, that you can use as a team building tool.
This is not financial advice, in my honest opinion it's worth exploring. It could be ideal for you if you want to learn about bitcoin and bitcoin mining..
Plus the app is available at no cost, grab the link from my hype page and follow me, so we can share feedback and reviews on your experience with our podcast café community and culture.
Get the official crypto browser app right here
Organic LeGen Haus 💎 for the Day1s ... Digital Digest Crypto Café ☕ ©
#twitter thread#entrepreneurship#fortheculture#thedigitaldigest🗞️#crypto community#the official crypto browser app#download the app#Bitcoin#join my community#share your experience#give your feedback#no cost to download#bitcoin mining#digital community#not financial advice#Organic LeGen Haus#team building tool#teamwork makes the dream work#bitcoins for your business#bitcoins for entrepreneurs#crypto starting gate#getting started with your crypto browser app#do your own research#join me on the pod#trending#repost#digitalculture#social media#aceupdates#aos
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BUY BALL JAR COMPANY STOCK NOW
I’m not a brony but these look amazing
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specific parameters:
when exactly your teenage self gets this information is up to you, so long as they're your teenage self at the time.
your teenage self will learn the message and that it comes from you, their future self.
if it's something objectively true/false, they'll know it's true; if it's more subjective, they'll know you believe it's true based on your knowledge of the future; if it's advice, they'll know it's given in good faith based on your future life.
you need to decide NOW. no looking things up beforehand. (no sharing the winning lottery numbers unless you happen to have some memorized!)
you can combine things if they're really just parts of one big statement. so "You're genderfluid and your name is Adrian" is fine, but "move to California and invest in Facebook" isn't.
if your statement fits multiple categories, pick the one you think is the best overall fit.
#poll#tumblr polls#random polls#my polls#polls#tumblr poll#poll time#personal#shitpost#i'm torn between queer identity stuff and financial advice myself#on the one hand getting to share my chosen name would avoid some hassles#on the other hand... i do like that cash money
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"But if college was free, then people would abuse that and get useless degrees" hell yeah I would! If I could go to college without debt I would make it my job to get a degree in every little thing that interested me. I'd get a doctorate in film studies. I'd have a bachelor's degree for every science I like. I'd try to learn at least 5 languages with varying results. I would learn something "useful" like coding and then follow it up with a ""useless"" degree like art history. I'd be the world record speed run holder for getting every degree possible.
But I can't afford college without going into massive debt, so instead I spent the last 5 years trying to figure out what I am passionate enough about to consider going into debt over, because unfortunately being passionate about everything is extremely expensive to pursue.
#simon says#i love learning so much and I hate the USA's college debt system#once they make that shit free I will be unstoppable#this topic sprung up because I had the idea that im very academic and annoyingly analytical that I might as well get a degree in it#because without a degree you just seem like an autistic asshole#but with a degree? then you look like a CREDIBLE autistic asshole#don't worry I will still learn but I still want that funky piece of paper to tell everyone I learnt it#also there's some things that are VERY difficult to learn#like I would love to persue this topic further but unfortunately I would need help with that#also before you say 'try taking [blank] classes instead! it's less expensive than a degree!' im broke#my only learning resource is the library sorry about that#also this is not the post to give me unwarranted financial advice#finances are one of the topics I DO NOT care about and I WILL NOT listen to a word you say
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Piece of financial advice, because I've seen too many people make this mistake: never pay off medical debt on a credit card unless you are 100% sure you will be able to pay the credit card balance off in full as soon as you get the first bill. Why? It is ALWAYS better to have medical debt than credit card debt. There is a long list of reasons why.
State and federal laws severely restrict medical debt in ways that credit card debt is not restricted.
Credit card debt can charge much higher interest rates, and in general it IS much higher in rate. Medical debt sometimes charges no interest, at least for a certain period of time. When it does charge interest, the rate is lower, and in some states it is capped as low as 5%, always at 20% or lower. Credit card interest rates are almost never below 15% and are sometimes MUCH higher than 20%.
Medical debt is less damaging to your credit history than credit card debt. And it is easier to eliminate in bankruptcy.
Medical debt also does not affect your spending limits on a credit card. If you use a credit card for monthly expenses, adding medical debt to it can bring you closer to your credit limit which might make you unable to use the card for expenses (even ones you could afford to pay off immediately.) This negatively affects your credit rating through increasing your credit utilization, it can reduce your potential to earn rewards, and it can reduce your spending power in an emergency.
Also, the penalties and fees for deliquency on medical debt are much milder and those for credit card debt are more severe. Again, laws are more restrictive on medical debt. You will have far fewer fees or penalties going delinquent on medical debt.
Also it is often easier to get medical debt forgiven or negotiated down, than credit card debt,
If you ever end up with medical debt, keep it as medical debt and keep paying it as medical debt. Go delinquent on your medical debt before switching it to a credit card. Once you put it on a credit card, you can't go back.
By keeping your medical debt as medical debt, you save money, protect your credit history, and increase your chances of having the debt forgiven, negotiated down, or eliminated through bankruptcy.
NEVER CONVERT MEDICAL DEBT TO CREDIT CARD DEBT.
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financial literacy⋆.ೃ࿔*:・✍🏽🎀
so i released a poll if you guys would like a post on financial literacy and the results are here. so im gonna share some things that i learned while taking a financial literacy course…💬🎀
WHAT IS FINANCIAL LITERACY ;
financial literacy is handling ur money wisely. the google definition of financial literacy is the ability to understand and apply different financial skills effectively, including personal financial management, budgeting, and saving.
ALL ABOUT BUDGETING ;
when u hear the word "budget" its rly easy to think "omg limiting belief" or think of it in a negative light but a budget is just a plan on how u manage ur money. its not always constrictive and negative like u may or may not think of it to be.
budgeting : keeping track of how much $ ur bringing in and how much ur spending…💬🎀
planning a budget is ez pz. you can use some paper and sparkly pink gel pens to create an adorable budget, or u can download different sheets online and just have your budget digitally. theres a plethora of resources out there so just choose whichever is easier for u.
something else that i learned about during this course was the 50:30:20 rule. its called the 50:30:20 rule because 50% of ur money goes towards ur needs, 30% goes towards wants and 20% goes towards ur savings. and this isnt concrete, its just a good framework and u can adjust to ur own specific needs and goals.
for example if u manifested $4000. ur 50% would be $2000, ur 30% would be $1200 and ur 20% would be $800…💬🎀
HOW DO U KNOW WHAT UR NEEDS/WANTS ARE ;
things like ur rent and groceries are ur needs and things like vacations and going out with ur girls are wants. and to apply the 50:30:20 rule you first have to...
♡ calculate ur needs, wants and savings budget
♡ compare ur expenses to ur budget
the way u do this is to subtract your expenses from your budget. this is your budget balance. if your budget balance is zero or positive, that means you are living within your means and have some extra money. if your budget balance is negative, that means you are spending more than you should and may have a budgeting problem.
let me know if u guys want more content about this cuz i had a lot of fun writing this…💬🎀
#honeytonedhottie⭐️#law of assumption#it girl#becoming that girl#self concept#that girl#self care#it girl energy#advice#dream girl tips#dream girl#dream life#beauty and brains#financial literacy#investments#personal finance#information#pink academia#girly#hyper femininity#hyper feminine#girl blog#fabulous#fabulously feminine#glamor#glamorous#self improvement#self growth#maintenance#rich and pretty
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beef stock has gone up while, inexplicably, chicken stock has seen drastic decreases in the past few days. in other worlds this zuppa tuscana is bussin bussin af that kale is indeed cruncy.
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Financing 101: Handling your money| IT GIRL DIARIES
A few financial tips my father shared with me that has kept me secure and taught me valuable lessons on saving and future planning..
When it comes to managing your money, always apply the 30:30:30:10 rule. This means allocating 30% towards your day-to-day or monthly expenses, 30% towards investments, 30% for future retirement savings, and 10% for your wants and luxuries.
I consider myself fortunate to live with my parents, which means I don’t have to cover utilities or household expenses. However, instead of spending all of my income on luxuries and my wants, I divide it thoughtfully. I allocate 15% more towards investments, ensuring that my money works for me and provides a return. The remaining 15% is set aside and added to my personal wants and luxuries.
Don't use the full amount for luxuries because you want to make sure that you are using the extra funds wisely. This way, you can contribute towards your future plans, even if while living with parents. It’s important to enjoy the present, but always be prepared for the future.
Never keep all your money in one bank account. There are several reasons for this. If you don’t see your money, you’re less likely to spend it, by keeping your investments and savings in a separate account that you rarely check, you’re less tempted to dip into them so keep them separate from your regular income in a different bank account. Also having your money spread out in multiple accounts is much more safer than having it all in one place.
Always put your savings and investments into a high yield savings account so that your money doesn't lose value due to inflation overtime and you profit through interest return.
If you notice your income increasing significantly, it might be wise to consult a financial advisor or get an accountant. A professional can provide valuable advice on how to save, invest, and manage your growing assets effectively.
Use a separate bank account for online shopping. Opt for digital payment platforms like PayPal or Venmo. Even with reputable brands, it’s safer not to provide your primary bank details. I personally use a completely separate account for online shopping, only transferring money when needed, and it has kept me secure for a long time.
mwah! xoxo, colebabey8.88
#financial#how to earn money#financial freedom#advice#pink#colebabey888#early 2000s#fashion#pink aesthetic#it girl#branding#pink core#dream girl journey#makeup#it girl journey#becoming the it girl#og it girl#becoming that girl#girl things#that girl#im just a girl#girlhood#girlblogger#gaslight gatekeep girlblog#this is a girlblog#brown girl luxury#girlblogging#girlblog aesthetic#girlboss fr
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please don't mistake silence for hatred. please don't mistake unanswered plotting messages as indifference, or a lack of enthusiasm towards you. considering the ages of most roleplayers, many of us have bills to pay, families to take care of, medical conditions to treat, appointments to make, classes to take, homes to clean, and lives to live away from the computer that are far, far more important than writing on tumblr — life has a tendency to get in the way of hobbies and fun things like this. be patient with your fellow writers. if it doesn't work out, it doesn't work out. of course you can set your boundaries, keep your space comfortable, and softblock whoever you wish, but do so while recognizing it's probably not hatred or apathy that keeps them from leaping into your dms with message after message. they probably love this hobby just as much as you... but sometimes life gets in the way.
#rp psa#roleplay psa#rp help#roleplay help#roleplay advice#'the rpc has changed for the worse' that's your opinion#but have that opinion while also acknowledging the ages of those you write with#and recognize they have responsibilities and worlds to take care of#people who depend on them#financial strain. hardships. unemployment. housing problems#medical bills. local weather disasters#trauma in their life deaths in their family#you cannot expect instant messages or EXTREME enthusiasm from everyone in this community#when so many of us are also dealing with irl situations#that are MORE important than talking about our fictional characters meeting for the first time#would it be nice if we could all find a comfy balance#and put passion into this hobby like we did when we were younger?#oh sure!!!! but that's just not viable anymore
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I knew that Japanese futon I bought 2 years ago would come in handy
#deadass might stick with it for a while my back is loving this#need to invest in an air purifier though#genuinely thank you to everyone who reached out either with advice#kind words#or financially#yall are so fucking nice i love yall
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Any tips on saving money?
Track your income/expenses. Knowing your monthly cash flow + essential and discretionary spending is the only sound starting point toward setting your financial goals.
Evaluate your non-essential spending habits. Consider where this money is going, and whether these expenses add value/are necessary to your life (pleasure or peace of mind is an acceptable "necessity" if you're living within your means to be clear!).
Determine the money you have left over after you cover your essential expenses and most fulfill discretionary expenses. This amount is your "saving/investment" money.
Divide your leftover amount into 3 categories: Emergency fund, goal-oriented savings (like buying a desired luxury item/furniture, a down payment on a house, a vacation, etc.), and investments.
Put your savings in a high-yield savings account. If possible, have different accounts for each purpose, especially your emergency fund and savings for future purposes. You can also get a CD for a long-term savings goal.
Put your investments (in the USA at least) in the following buckets: Roth IRA (max it out), ALWAYS take your employer's full 401k match, HSA (if you have a high-deductible health insurance plan), and S&P 500 index funds/other evergreen mutual funds + blue-chip stocks.
Purchase fewer, higher-quality items. Know the sales seasons for each product category and shop around this calendar (down to the produce items in season). If possible, rent items when it makes sense.
Only say "yes" to plans/financial obligations that add value/pleasure to your life. Don't let yourself feel shortchanged financially or emotionally. It's never worth it, honestly.
Invest in your physical, mental, and financial health first. This can mean something different for everyone but it's important!
**I'm not a professional, just another young woman on the internet, so please take this advice accordingly. Please meet with a financial advisor/CPA for formal advice and personal financial planning.
Hope this helps xx
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All labor deserves compensation. Even ours.
Bitchlings, did you know that you can join our Patreon for FREE? Yep. You can join for free and benefit from updates, get notified of new courses, workshops, and articles, and do it all within the loving and shapely arms of a community of fellow bitchlings longing to become rich...lings.
At the moment we have 152 free Patreon members. And we LOVE that they're showing their support with a free membership! Not everyone has the money to donate to support our mission right now. That's understandable! After all, our target demographic is People Who Need Help With Money Stuff.
But if even HALF of our 152 free members started paying just $1 a month to support the Bitches Get Riches mission... we'd have $76 more dollars every month to put into this passion project. That's $912 a year going toward all this great stuff:
Paying our website hosting fees so we have a dedicated space to keep ALL of our research, resources, analysis, and advice.
Paying our podcast hosting fees so people have access to our original podcast episodes.
Paying our assistant and producer, the lovely Ducky herself, for all the incredible work she does editing audio and video, promoting our work across social media, answering all the emails, and corralling us like a gator wrangler with two hissing prehistoric reptiles who'd generally rather be floating around in the murk than producing useful content
But most importantly... we'd be able to create more blog articles, YouTube videos, and podcast episodes. All of that shit is HARD FUCKING WORK. And while we're doing it, we lose the opportunity to do OTHER paid work.
All labor deserves compensation, my loves. Even that of your humble Bitches. If you're a free member of our Patreon, consider raising your membership to the $1 level today.
And if you've been thinking of joining us on Patreon at ANY LEVEL... why wait? Join us on Patreon right heckin now!
We love you, babies. Keep on keeping on.
~Piggy & Kitty, Co-Bitches, BitchesGetRiches.com
#labor deserves compensation#Bitches Get Riches#patreon#financial literacy#personal finance#advice#adulting#free patreon membership#support creators
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☆ ~ Financial advice for November ~ ☆
I'm doing this as a replacement for the few free readings I haven't yet done and might not do because I recieved such an overwhelming amount. Hope this helps someone prepare for the month ahead ♡
PILE ONE - CARPET PATHWAY ~°☆
you might feel disappointed by your financial situation next month, like you're doing a lot yet not recieving an equal amount back. The moment you recieve money, it's gone the next and you're left feeling drained. you might be prone to spending everything the moment you get it, indulging in the good feeling of being able to buy nice things yet ultimately ending up with a few coins in your wallet by the end of the first week. The advice for your November is to understand and pinpoint what your financial goal is. What does living good mean to you and what steps you should take to get there. Is the path you're currently on worth it? Would you feel more satisfied if you saved up for a couple of months to then be able to afford a trip or a higher quality clothing item? Are you spending money on drinks in bars when you could invite friends over and have them bring a bottle of wine to share? Fun doesn't have to be the sacrifice. Be more diligence, but don't get stuck into dullness of life. Money should bring you happiness, not problems.
PILE TWO - EARLY MORNING SMOKE ~°☆
I'm seeing that something will pop up, perhaps it's an opportunity for a new way of income or an idea in your head that you want to go with. It might come suddenly and you could end up stressing out over it. The advice for November is to calm down, ease your emotions. If you have a business idea or a desire to switch things up, I see it as a good option and you should genuinely consider it, but not before tweaking it to better fit in with your current life. If this idea makes you feel excitement and joy, take it as a sign. If an offer from someone else presents itself, be mature about it. There's a lot of good that could come out of it, but you have to be in charge of yourself and what you choose to accept and what not, why you choose to accept it to begin with. Being conscious of your decisions and how you build your life will help manage the anxiety. Ultimately, good things will come if you make room for them.
PILE THREE - CROSS MOUNTAIN ~°☆
You might feel like you don't know what to do, like your environment doesn't allow you to grow or you have these ideas and motivation to work and create abundance however life moves too slowly and you're left either bed rotting or with a spiraling mind. It seems like there's hidden things in your life that are creating obstacles to your financial growth. Honestly, it could be other people- you're spending more money on others or lending money when it only harms you, your job is secretly paying you less than other employees, you're holding on to a spending culture that leaves you broke. Clouded judgement is a keyword here. The advice is to of course assess your situation and figure out what these forces of bad luck could be. Think about your daily life and which parts need improvement. There is also a hint of your financial situation changing you into a person you are not, pushing you off your right path.
PILE FOUR - BLOCK HOUSE TUNNEL ~°☆
Congratulations, you have the most positive pile. The message here is quite simple, money and opportunities are coming. In November, you could be a bit secluded from everyone and focusing on your finances or it is a sign that the next month is a great month to do just that. Your hard work will pay off, so don't worry about what else you could do and what more you could invest into, it's enough. Think with a clear mind about your possibilities and do everything with intention. Luck is on your side this month even if you're just planting the first seeds. You're asked to take charge and stand up for what you desire and deserve. Speak with intention, dress with intention. Honestly, not a lot to say, you're on the right path.
#free tarot reading#free readings#free tarot readings#divination#tarot game#pick a card#pick a pile#financial advice#pick a card november#november reading#monthly pick a card#slavic aesthetic
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